Line 04 Traditional, hybrid & short-duration LTC

Long-term care, without the paperwork.

From ADL assessment to facility reimbursement — LTC policies that administer themselves, for decades.

Explore capabilities
LTC, hybrid & asset-based carriers

The long-tail line, finally built for long-term software.

LTC policies run for 30+ years. They deserve a platform that was built for longitudinal care — not retrofitted from a life admin system.

01

Benefit modeling

Traditional reimbursement, indemnity, hybrid life/LTC and short-duration products. Inflation riders, elimination periods, shared-care.

02

ADL assessment

Structured cognitive and ADL screening. Clinical reviewer workflows, physician certification, plan-of-care approval.

03

Provider network

Home health, assisted living, skilled nursing and adult day care provider contracting and credentialing.

04

Reimbursement engine

Receipt-based reimbursement with automatic daily/monthly max enforcement, tax-qualified benefit tracking.

05

Reserve valuation

Statutory reserve, active-life and claim reserve calculation. GAAP and LDTI-compliant reporting.

06

Rate management

NAIC rate-stability compliance, state rate-filing workflows, premium rate-adjustment communication.

Benefit administration

Claim adjudication for a 30-year line of business.

LTC claims often continue for a decade or more. Our platform treats every claim as an ongoing record — tracking benefits paid, elimination-period days satisfied, inflation-adjusted maximums and plan-of-care milestones.

  • EP tracking. Automatic elimination-period day counting across service types and providers.
  • Inflation. Simple, compound and CPI-linked inflation rider calculations.
  • Care coordination. Integrated plan-of-care workflow with caregiver, family and CM touchpoints.
  • Tax-qualified. Section 7702B tracking and 1099-LTC generation.
  • Survivor. Shared-care, survivorship and return-of-premium rider logic.
By the numbers

Built for the long tail.

30+ yr
Policy lifecycles supported on one codebase
72 hr
From care request to first reimbursement
LDTI
Valuation and reporting ready today
NAIC
Rate-stability compliance built in
Let's build

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